Hi McRipple, I am fairly new to XRP hence the positivity :-) from what I have found over the last few months, The smaller fi’s are building the liquidity the larger banks need, the FX market itself is huge and has the potential to grow as Xrapid allows the world to send smaller payments with less cost. Seems to be part of a master plan and this may only be the end of stage 1 (crawl, walk, run).

Just to Clarify It was not my intention to suggest XRP had a particular problem, but “two wrongs don’t make a right”
XRP is a better asset, Ripple is a better company, some awesome people (mentioned earlier you included Hodor) contribute immensely and are a huge asset to us all. I don’t even mind the dreamers and the 589ers. But .................

Is it possible that as a “community” we can nurture and promote a consensus and a culture that is more let’s say intelligent ? The ideal being not to engage idiots or haters, but to dimiss them. Let the most suited clinically dissect and discard the fudsters let the so called army re post intelligent clinical rebuttal rather than join the gutter scrap.
just thoughts from my recent observations,

Due respect to you Hodor and as a noob I am learning as I go here, I have seen and read attack’s from btc maximalist and the professional Fudsters articles (Forbes and alike) and people like yourself Matt, Bob, Eri provide rational and fact based rebuttals that serve us all brilliantly.
If a Santander employee has to justify and is asked to then re-justify understandable mistakes with jeers and suggestions about losing their job subject to offensive comments albeit some from Btc trolls (that were attracted) then I would say that is counter productive to the ripple/XPP mission . Especially when the retweeted innocent comment catches fire, I am sure that their are loose cannons and idiots of all sorts attached to all DA not least BTC but isn’t XRP the more legit mainstream acceptable alternative ? Let’s not join in, let’s rise above
I have to admit that the Scam thread you linked shocked me a bit, as I have said I am fairly new, I think it should be the best of us who tackle such attacks, maybe there should be an agreed and prepared stock response ? The angry mob vs the angry mob is bad for XRP In my opinion,

Agree but case in point, Santander should not have to be forced take time to clarify there position re:XRP on Twitter because their receptionist doesn’t know the difference between XRP and Ripple especially as this then attracts abusive comments from trolls. Rather wait for good news than hear fake news
As for Brad etc, you have waited longer and suffered more than I have so your opinions are more relevant than mine, i am learning who to listen to though
People asking Santander for an explanation as if they are obliged to respond, criticising the social media team ?? Ffs

Hi I have seen a couple of short videos like this one, I thinks he says we were using XRP “of all things” which is a bit dismissive and “their people went crazy” just my opinion but sounds like distancing.
<blockquote class="twitter-tweet"><p lang="en" dir="ltr">Tom Menner from R3 talking about Corda Settler using XRP with SWIFT plugging in. <br><br>March2019 <a href="https://t.co/9xyrALVQ5Z">pic.twitter.com/9xyrALVQ5Z</a></p>&mdash; Steven Diep (@DiepSanh) <a href="https://twitter.com/DiepSanh/status/1109081901162061824?ref_src=twsrc%5Etfw">March 22, 2019</a></blockquote> <script async src="https://platform.twitter.com/widgets.js" charset="utf-8"></script>

Most of you have been around crypto/XRP a lot longer than I have so apologise if this has been posted before. Since buying some XRP I have been tracking the relevant news, Twitter,Reddit here. Some of you people are excellent and a real asset to ripple/XRP. I have genuinely not seen Matt Hamilton lose a debate (which many have tried to make an argument) Hodor is fantastic and Bob way is awesome amongst others.
BUT there seem to be a lot of people taking it upon themselves to email bank staff, or companies naively asking for information or commenting on people’s feed with no real clue how to debate, also giving air time to haters by constantly arguing and retweeting.
If I thought by choosing to engage with a company my staff would be harassed or my company would be repeatedly dragged into twiiter spats involving childish often offensive comments. I would quicky want to distance myself as I sense R3 have by their recent comments.
Without doubt as I have mentioned their are some excellent commentators and experts without whom I would have cashed in my chips by now, my question is Does this have a negative effect on Ripple/XRP and how do we calm the Mob ?

Hi i originally posted re: Frances Coppolas article and was also concerned by Mr Bloombergs follow up atack on XRP/Ripple , i was new to Xrp after investing what for me is a significant portion of savings.
After weeks of reading and questioning the pros and cons i am Confident that the above articles are what i now describe as FUD and the "research"and assumptions made by the two Forbes contributitors has been roundly refuted.

Hi Bob, I only got into crypto this month (exclusivey XRP for now) thanks for the "enlightenment"
Do you feel like the new Kid in school with the skateboard and the cool trainers ? ( Trainers = sneakers to us Brits)
Everybodys new best friend !!!

Thanks Tiny, I may be naive and as stated no background in finance but her whole argument is that Nostro/vostro accounts hold no locked funds. Then this :
Nonetheless, nostro/vostro balances are on average very high. This brings us to the role of XRP. If, instead of funding nostro/vostro accounts in the settlement currency before making payments, banks used XRP as a bridging currency, would this eliminate large balances in nostro/vostro accounts?
If practically instant payment is available, wouldnt this negate the need to store the funds in N/V
A simple obvious answer to her question would surely be yes. XRP (faster frictionless trans) would facilitate a more efficient system that required less stored fiat.